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July 3, 2025 - System Maintenance

Member Discounts

Member Discounts

Democracy FCU Members are Eligible for Special Member Deals and Discounts including:

  • Promotional rates on Democracy FCU loan rates and products
  • Discounts at major retailers in the store and online
  • Sprint Mobile services discounts

Become a Member

Join Democracy FCU Today and Save

New Democracy FCU members have 90 days to cash in on two great offers:

  • 0.50% APR1 discount on auto loans, including new loans and refinance
  • 0.25% APR2 discount on Signature Loans

Join Online Now

(1) Refinance applies to loans from other institutions; (2) NEW money only; (3) Limited time offer. Additional restrictions may apply. Subject to credit approval. Democracy FCU reserves the right to discontinue these offers at any time without notice. Standard guidelines apply.

Democracy FCU Member Loyalty Rate Discount Program

Democracy Federal Credit Union appreciates your business and your trust. For your years of loyalty, we would like to say thank you by offering an additional discount on interest rates for a signature loan* or automobile loan*. 

Years                        Discounts
VIP                            0.25%*
Executive                 0.50%*     
Presidential             0.75%*

Learn More

*Loan Disclosure/Certificate Disclaimer: Cannot be used in conjunction with other promotions or discounts. Certain restrictions may apply.

HOME Advantage Commission Rebate When you Buy and Sell

Looking to purchase a new home? Or are you selling a home? Our HOME Advantage Program helps save you time and money.

  • 20% rebate on agent commission
  • Jumbo, fixed & adjustable rate mortgages
  • FHA/VA/reverse mortgages
  • Up to $2,000 in closing costs*

Learn More

*Applies to purchases only.

Get Cash Rewards, Deep Discounts and Exclusive Savings

Everyone loves to save, especially on products and services you use every day.  That's what Love My Credit Union Rewards is all about.  Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards.

You can save too with valuable discounts from these partners:

  • $100 cash reward with every new line activated with Sprint! Current customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards. Plus, get a $50 loyalty cash reward every year for every line.*
  • Save up to $15 on TurboTax Federal online and downloadable tax products!
  • Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Call 844-703-0123 to activate this special offer.
  • Get trusted protection at true savings with the TruStage Auto & Home Insurance Program.
  • Earn cash back at over 1,500 online retailers with Love to Shop.

Start Saving Today

*See LoveMyCreditUnion.org for full details. 

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